Privacy Policy

Last updated: July 9, 2026

This Privacy Policy describes how Budget Wise (Budget Wise Canada Limited) collects, uses, and protects your personal information. We are committed to protecting your privacy and handling your data responsibly when you visit our website and participate in our monthly household budget template workshop and practical spending plan creation services for Toronto families.

Who We Are

We are a Canadian organization dedicated to helping Toronto families develop practical spending plans and master household budgeting through our specialized workshops and resources. We operate from Toronto and serve families across Ontario who want to improve their financial management skills and establish sustainable budgeting habits.

Information We Collect

We collect personal information in several ways:

• Workshop Registration: When you register for our budget workshop, we collect your name, email address, phone number, postal code, and household information relevant to budget planning.
• Template Downloads: When you download our household budget templates, we collect your email address and may track which templates you access.
• Contact Forms: If you contact us with questions, we collect the information you provide including your name, email, and message content.
• Website Usage: We collect information about how you interact with our website, including pages visited, time spent, and device information through cookies and analytics tools.
• Payment Information: If you purchase workshops or materials, we collect payment details processed securely through third-party payment providers.

Legal Basis for Processing

We process your personal information based on the following legal grounds:

• Consent: We process your data when you explicitly consent, such as signing up for our workshop or downloading resources.
• Legitimate Interest: We process data to improve our services, provide customer support, and send you relevant information about our offerings, where your interests align with ours.
• Contractual Obligation: We process information necessary to fulfill workshop registrations, deliver materials, and process payments.
• Legal Obligation: We may process data to comply with applicable Canadian laws and regulations.

How We Use Your Information

We use your personal information for the following purposes:

• Providing and delivering our budget workshops, templates, and educational resources
• Communicating with you about workshop schedules, updates, and changes
• Responding to your inquiries and providing customer support
• Sending you newsletters and information about new budgeting resources (with your consent)
• Processing payments and managing your account
• Improving our website, services, and user experience through analytics
• Complying with legal obligations and protecting our rights
• Creating aggregate, anonymized statistics about workshop participation and resource usage

Data Retention

We retain your personal information for specific periods depending on the type of data:

• Workshop Registration Data: We retain registration information for up to 36 months after your last workshop participation to support ongoing customer relationships and provide relevant follow-up resources.
• Contact Form Messages: Messages submitted through our contact form are retained for up to 24 months after the last interaction to ensure we can respond to follow-up questions.
• Analytics and Cookie Data: We retain analytics data for up to 14 months to analyze trends and improve our services.
• Server Logs: Technical server logs are retained for up to 12 months for security and troubleshooting purposes.
• Payment Records: Payment information is retained for up to 7 years to comply with Canadian tax and accounting requirements.

After the retention period expires, we securely delete or anonymize your information unless we are required by law to retain it longer.

Your Privacy Rights

You have the following rights regarding your personal information:

• Right to Access: You can request access to the personal information we hold about you.
• Right to Correction: You can ask us to correct inaccurate or incomplete information.
• Right to Deletion: You can request deletion of your personal information, subject to certain legal exceptions.
• Right to Withdraw Consent: You can withdraw your consent for us to use your data at any time by contacting us.
• Right to Opt-Out: You can unsubscribe from marketing communications by clicking the unsubscribe link in any email or contacting us directly.
• Right to Complaint: You have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada if you believe we have violated your privacy rights.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience. Cookies are small files stored on your device that help us remember your preferences and analyze how you use our website.

Types of Cookies We Use:

• Essential Cookies: These are necessary for the website to function properly and cannot be disabled.
• Analytics Cookies: These help us understand how visitors interact with our website to improve our services.
• Preference Cookies: These remember your choices to personalize your experience.
• Marketing Cookies: These track your activity to show you relevant content and advertisements.

You can control cookies through your browser settings and can opt-out of certain tracking by adjusting your privacy preferences. Please note that disabling essential cookies may affect website functionality.

Third-Party Services

We may use third-party service providers to help us deliver our services, including payment processors, email providers, analytics platforms, and cloud hosting services. These providers are contractually obligated to protect your information and use it only as necessary to provide services to us. We do not sell your personal information to third parties.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure servers, and restricted access to personal data. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of significant changes by posting the updated policy on our website and updating the "Last updated" date. Your continued use of our website and services after changes constitutes your acceptance of the updated Privacy Policy.